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10902 Tree Cactus Loop, Land O Lakes, FL 34638 Property Records

Pasco County property record for 10902 Tree Cactus Loop, Land O Lakes, FL 34638

Property Summary

Property TypeSingle Family Home
Details3 ba · 2,440 sqft · built 2005
Lot Size0.126 acres (5,500 sqft)
OwnerIndividual Name on Record
Last Sale$319,900 (Aug 2026)
Tax Bill$6,055 (2025)
Deeds & MortgagesAug 2026 Sale & Mortgage
Sep 2019 Loan Modification
+ 1 more
Flood ZoneZone X (minimal risk)
APN13-25-17-0010-00900-0020

Property Details

APN / Parcel Number

Primary APN13-25-17-0010-00900-0020
Alternative APNs
  • 1725130010009000020
  • 1260708

Interior

Full Baths3 Baths
Stories2 Stories
Building Area2,440 sqft Living Area
Gross Area2,899 sqft
1st Floor Area1,812 sqft
Upper Floors Area628 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Exterior MaterialConcrete Block/Stucco
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area5,500 sqft (0.126 acres)
Garage TypeAttached
Garage Area459 sqft
DrivewayConcrete Driveway
Driveway Area639 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area139 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address10902 TREE CACTUS LOOP
CityLAND O LAKES
StateFL
Zip34638-6879
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeMPUD
Legal DescriptionSUNCOAST LAKES PHASE 1 PB 47 PG 001 BLOCK 9 LOT 2
Legal Range17E
Legal Township25S
Legal Section13
Legal SubdivisionSUNCOAST LAKES
Legal Tract10
Legal Block9
Legal Lot Number2
JurisdictionPASCO FL
Township / Civil DivisionNEW PORT RICHEY
Census Block Group1
Census Block1019
Census Tract31701

Owner

Source: Pasco County records, as of October 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on Record
Mailing Address10902 TREE CACTUS LOOP, LAND O LAKES, FL 34638-6879
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle

Deeds, Mortgages & Sale History

DateDocument
Aug 28, 2026Special Warranty Deed, Transfer · Conventional Mortgage
CHURCHILL MORTGAGE CORPORATION
Sep 13, 2019Loan Modification, Mortgage · Line of Credit
MORGAN STANLEY MTG CAP HOLDING
Sep 13, 2019Quit Claim Deed, Transfer
OS NATIONAL LLC, OS NAT'L LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 28, 2026 · Amount on Record
Deed SaleAug 28, 2026 · Amount on Record
Prior SaleDec 23, 2014 · Amount on Record
Deed Document Number2026162798
Deed Book / Page11484 / 3855
Prior Transfer DateNov 29, 2005
Prior Transfer Doc0067231277
Record UpdatedOct 29, 2026

August 2026: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionPASCO FL
Recording DateAug 28, 2026
Property Address10902 TREE CACTUS LOOP, LAND O LAKES, FL 34638-6879
Document Number0000162798
Book / Page11484 / 3855
Instrument DateAug 4, 2026
Instrument2026162798
Transaction TypeTransfer
Record UpdatedSep 9, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$226,169.30
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address10902 TREE CACTUS LOOP, LAND O LAKES, FL 34638-6879

Mortgage

Document Number0000162799,
DateAug 28, 2026
Instrument2026162799
Lender
NameCHURCHILL MORTGAGE CORPORATION
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueSep 1, 2041
Interest
Rate TypeFixed Rate
Initial TypeFixed Rate
Max Rate-1%

September 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionPASCO FL
Recording DateSep 13, 2019
Property Address10902 TREE CACTUS LOOP, LAND O LAKES, FL 34638-6879
Document Number0099723244
Book / Page009972 / 003244
Instrument DateAug 22, 2019
Instrument156465
Transaction TypeMortgage
Record UpdatedSep 27, 2019
Title CompanyOS NATIONAL LLC, OS NAT'L LLC

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address810 7TH AVE #24TH NEW YORK NY 100195818, 24TH, NEW YORK, NY 10019-5818

Mortgage

Document Number99723244
DateSep 13, 2019
Book Page009972/003244
Instrument156465
Lender
NameMORGAN STANLEY MTG CAP HOLDING
TypeMortgage Company
Address1585 BROADWAY # 24TH, NEW YORK, NY 10036-8200
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

September 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionPASCO FL
Recording DateSep 13, 2019
Property Address10902 TREE CACTUS LOOP, LAND O LAKES, FL 34638-6879
Document Number0099723179
Book / Page009972 / 003179
Instrument DateAug 22, 2019
Instrument156464
Transaction TypeTransfer
Record UpdatedSep 25, 2019
Title CompanyOS NATIONAL LLC, OS NAT'L LLC

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
AddressPO BOX 4090 SCOTTSDALE AZ 852614090, SCOTTSDALE, AZ 85261-4090

Tax Assessment & Valuation

Source: Pasco County assessment roll, as of December 29, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyPasco County
Unified School DistrictPasco County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$351,077 (-0.18%) Land $60,115 Building $290,962$351,077 (-0.18%) Land $60,115 Building $290,962
2025$6,055.00 (+5.03%)$351,694 (+0.24%) Land $60,115 Building $291,579$351,694 (+0.24%) Land $60,115 Building $291,579
2024$5,765.00 (+5.86%)
2023$5,446.00 (+19.56%)$350,860 (+13.39%) Land $49,720 Building $301,140$350,860 (+13.39%) Land $49,720 Building $301,140
2022$4,555.00$309,432 Land $41,415 Building $268,017$309,432 Land $41,415 Building $268,017

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 689 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies689 in force
Nearby Flood Claims10 (2004–2025)
Claims Outside the SFHA9 of 10
Most Recent ClaimDec 2025
Claims by Event
  • Hurricane Milton, Oct 2024 · 3 claims
  • Hurricane Debby, Aug 2024 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskHigh
above 81% of the US · above 71% of Florida
Wildfire Likelihood0.6% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemPCUD-PASCO COUNTY REGIONAL PWS
serves 214,403 people · EPA ID FL6511361
Water SourcePurchased surface water from several systems
Last State InspectionJun 2025
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityTotal trihalomethanes
not recorded as resolved · Jan 2026
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting10
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 101 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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